Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$39,510Cash toward the purchase price.
Closing costs + prepaids$15,551Not just lender fees.
Before credits & paid funds$55,062The complete starting cash picture.
Estimated remaining funds due at closing
$55,062No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,510.28
Your down payment$39,510.28
Closing costs + prepaids$15,551.49
Total buyer cash needed$55,061.78
Remaining funds due$55,061.78
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,242.00
Initial HOA (3 months)$246.00
Prepaid interest, first (27 days)$2,388.49
Fees + prepaids$15,551.49
Your down payment is the seller’s equity. You take over the $480,490 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $55,061.78 is due at closing. Uses and sources reconcile at $535,551.49 each. Not a Closing Disclosure.